Terms of Use

The following are terms of a legal agreement ("Agreement") between you and BankOnBuffalo. By accessing, browsing and/or using this web site ("Site") you acknowledge that you have read, understood and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this Site. This Site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this Site may contain technical inaccuracies or typographical errors. Please read this Agreement carefully and be aware that BankOnBuffalo Bank may, in its sole discretion and without notice, revise these terms at any time by updating this posting.

HYPERLINKING
BankOnBuffalo makes no representations whatsoever about any other web site which you may access through this one. When you access a non-BankOnBuffalo web site, please understand that it is independent from BankOnBuffalo, and that BankOnBuffalo has no control over the content on that web site, even if BankOnBuffalo provides information or services to the owner of that web site. In addition, a link to a non-BankOnBuffalo web site does not mean that BankOnBuffalo endorses or accepts any responsibility for the content or the use of such web site. In fact, BankOnBuffalo disclaims any and all liability and responsibility for such content. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

COPYRIGHTS AND USE OF SITE CONTENT
The copyright in all materials provided on this Site is held by BankOnBuffalo or by the original creator of the material. Except as stated herein, none of the materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of BankOnBuffalo or the copyright owner. Permission is granted to download one copy of the materials on this Site on a single computer for your personal or internal business use only provided that you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials. This permission terminates immediately if you breach this Agreement. You may not "mirror" any material contained on this Site without BankOnBuffalo's express written permission. Any unauthorized use of the materials contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity and/or communications regulations and statutes. All content and functionality on this Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, are the exclusive property of BankOnBuffalo or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

"COOKIES" AND OTHER ONLINE INFORMATION
Subject to the terms of any BankOnBuffalo's privacy notice, you agree that BankOnBuffalo may collect information from you online through its Internet web site(s), subject to the following:

BankOnBuffalo, like many web sites, uses "cookies" (a small text file placed on the user's hard drive) and/or "web bugs" (a small graphic designed to monitor who is reading the page or message) to facilitate site navigation, maintain quality of online service, provide additional security, and allow the customization of your access to BankOnBuffalo. The "cookies" automatically collect information about your computer hardware and software, which can include browser type, access times, and Internet Protocol (IP) address. BankOnBuffalo does not use "cookies" to collect information from third party web sites that you may visit. BankOnBuffalo may personalize your user experience by using information about your interests to recommend other services or sites that might be of interest to you;

BankOnBuffalo may also monitor user traffic patterns and site usage to help provide enhancements to its services;

BankOnBuffalo may use the information it collects to notify you about new services or special offers;

BankOnBuffalo may make use of "cookies" and/or "web bugs" to enable it to store information and prepare customized pages or other personalized aspects of its services; and,

BankOnBuffalo reserves the right to reveal any Registration Data or other information in its possession regarding users of its services in cooperation with a request or investigation by any governmental body or governmental agency.

You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may diminish your browsing experience and prevent you from using certain functions. You may have to repeatedly enter information to take advantage of services or promotions. In general, cookies allow BankOnBuffalo to identify you as a particular user and thus provide you with a more customized service. BankOnBuffalo may also use cookies to track customer or user requests, inquiries, and traffic patterns or to determine audience size and repeated usage.

TRADEMARKS
The trademarks, service marks and logos (the "Trademarks") used and displayed on this Site are registered and unregistered Trademarks of BankOnBuffalo. Other trademarks, service marks and trade names may be owned by others. Nothing on this Site should be construed as granting, by implication, any license or right to use any Trademark or any other BankOnBuffalo intellectual property displayed on this Site. BankOnBuffalo aggressively enforces its intellectual property rights to the fullest extent of the law. The name BankOnBuffalo or any other Trademarks may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Site, without prior written permission from BankOnBuffalo. BankOnBuffalo also prohibits use of BankOnBuffalo or any other Trademark as part of a link to or from any site unless establishment of such a link is approved in advance by BankOnBuffalo in writing.

USER POSTINGS
You acknowledge and agree that BankOnBuffalo shall own and have the unrestricted right to use, publish, in electronic form and otherwise, distribute and exploit any and all information that you post or otherwise publish on this Site ("Submissions"). You hereby waive any and all claims against BankOnBuffalo for any alleged or actual infringements of any rights of privacy or publicity, moral rights, rights of attribution or any other intellectual property rights in connection with BankOnBuffalo's use and publication of such Submissions. This means that anything submitted by you to this Site will be owned by BankOnBuffalo and may be used by BankOnBuffalo for any purpose, now or in the future, without any payment to, or further authorization by, you. In the event BankOnBuffalo's ownership of such Submissions is successfully contested, you automatically grant BankOnBuffalo a perpetual, royalty-free, non-exclusive, unrestricted, worldwide and irrevocable right and license to use, reproduce, modify, publish, translate, prepare derivative works based upon, distribute, perform or display such Submissions, in whole or in part, in any form, media or technology known or hereafter developed for any purpose, including, but not limited to, advertising and promotional purposes. BankOnBuffalo does not represent or endorse the accuracy or reliability of any Submissions displayed, uploaded, posted on any message board, or otherwise distributed through this Site by any user of this Site, information provider or any other third party. BankOnBuffalo expressly disclaims any and all liability related to Submissions, and you acknowledge that any reliance upon such Submissions shall be at your sole risk. You covenant that you shall not post or otherwise publish on the Site any materials that: (i) are threatening, libelous, defamatory, or obscene; (ii) would constitute, or that encourage conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate law; (iii) infringe the intellectual property, privacy, or other rights of any third parties; (iv) contain a computer virus or other destructive element; (v) contain advertising; or (vi) constitute or contain false or misleading statements. BankOnBuffalo in its sole discretion reserves the right to refuse to post and the right to remove any information or Submission from this Site, in whole or in part, for any reason.

NO SERVICES, ENDORSEMENT OR PROFESSIONAL CONSULTATION
There may be delays, omissions or inaccuracies in information obtained through your use of this Site. This information is provided to you with the understanding that BankOnBuffalo's provision of this information to you does not constitute the rendering of investment, consulting, legal, accounting, tax, career or other advice or services. Information on this Site should not be relied upon for making business, investment or other decisions or used as a substitute for consultation with professional advisors. Moreover, BankOnBuffalo does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed, uploaded, downloaded or distributed through this Site by BankOnBuffalo, any user, information provider or any other person or entity. You acknowledge that any reliance upon such opinion, advice, statement, memorandum, or information shall be at your sole option and risk. Moreover, BankOnBuffalo does not grant any license or other authorization to you to use this Site in any manner if such use in whole or in part suggests that BankOnBuffalo promotes or endorses any third party's causes, ideas, political campaigns, political views, web sites, products or services.

ACCESS TO THIS SITE
BankOnBuffalo may alter, suspend or discontinue this Site or your access to use this Site at any time for any reason without notice or liability to you or any third party. This Site may become unavailable due to maintenance or malfunction of computer equipment or for other reasons and may result in damages to the user's systems or operations. The user shall be solely responsible for ensuring that any information or content obtained from this Site does not contain any virus or other computer software code or subroutine designed to disable, erase, impair or otherwise damage the user's systems, software or data.

DISCLAIMER OF WARRANTIES
THE SITE AND ALL MATERIALS THEREON ARE DISTRIBUTED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, BankOnBuffalo DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SPECIFICALLY, BUT WITHOUT LIMITATION, BankOnBuffalo DOES NOT WARRANT THAT: (1) THE INFORMATION ON THIS SITE IS CORRECT, ACCURATE OR RELIABLE; (2) THE FUNCTIONS CONTAINED ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE; OR (3) DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU HEREBY ACKNOWLEDGE THAT USE OF THE SITE IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."

LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL BankOnBuffalo OR ANY OF ITS PREDECESSORS, SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS AND ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES THAT DIRECTLY OR INDIRECTLY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE OR THE INFORMATION CONTAINED ON THIS SITE OR OBTAINED FROM YOUR USE OF THIS SITE, INCLUDING FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED FROM THE SITE, EVEN IF BankOnBuffalo HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL BankOnBuffalo OR ANY OF ITS PREDECESSORS', SUCCESSORS', PARENTS', SUBSIDIARIES', AFFILIATES', OFFICERS', DIRECTORS', SHAREHOLDERS', INVESTORS', EMPLOYEES', AGENTS', REPRESENTATIVES' AND ATTORNEYS' AND THEIR RESPECTIVE HEIRS', SUCCESSORS' AND ASSIGNS' TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE EXCEED $1. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES IN WHICH CASE SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO ALL USERS.

INDEMNIFICATION
You hereby indemnify, defend, and hold harmless BankOnBuffalo and all of its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives and attorneys and their respective heirs, successors and assigns (collectively, the "Indemnified Parties") from and against any and all liability and costs, including, without limitation, reasonable attorneys' fees, incurred by the Indemnified Parties in connection with any claim arising out of or relating to any breach by you of this Agreement or the representations, warranties, and covenants you have made by agreeing to the terms of this Agreement. You shall cooperate as fully as reasonably required in the defense of any such claim. BankOnBuffalo reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.

ENTIRE AGREEMENT
This Agreement constitutes the entire agreement between you and BankOnBuffalo with respect to the subject matter of this Agreement and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding that subject matter. Any waiver of any provision of this Agreement will be effective only if in writing and signed by BankOnBuffalo.